Research On The Transformation Of SN Bank Marketing Model

With the rapid liberalization of interest rate marketization and the rapid rise of financial disbursement,the rapid rise of Internet finance,the traditional bank profit model has been hit hard,especially the small and medium-sized commercial banks,which rely mainly on deposit and loan profitability,will be challenged more.At the same time,in the "Twelfth Five-Year Plan" the beginning of the year,the central government introduced the supply side of the structural reform and industrial restructuring and upgrading and other economic development policies,while stimulating economic restructuring,but also for small and medium-sized city commercial banks to accelerate business transformation To create a historical opportunity,it is well known that the interest income is the most important source of profit for small and medium-sized cities commercial banks,the industrial structure and structural adjustment brought by structural reforms on the supply side will greatly affect the credit risk situation,social financing demand,And thus affect the profitability of commercial banks.Therefore,the urban commercial banks in the tide of structural reform of the supply side urgently need to think and promote the transformation and development of their own marketing model.In this paper,SN bank,for example,in the specific analysis of the macro environment and micro-environment on the basis of the transition from the market is the inevitable requirement of market interest rates,financial technology under the conditions of choice,to deal with the supply side of the structural reform Way three dimensions,come to the bank marketing transformation is imperative conclusion.And on this basis,combined with SN Bank specific reality,the use of 4P marketing theory,obtained the line of marketing improvement programs and specific safeguards.The innovation of this paper lies in the following aspects: from the perspective of structural reform of supply side,this paper discusses the challenge of supply side structure reform to the marketing practice of grassroots commercial banks.At present,most of the articles to study this issue,mostly from a macro perspective to start,few for commercial banks to carry out research.In this paper,Suining City Commercial Bank as the object of study,in accordance with the requirements of the supply side of the structural reform,the challenges faced by the grassroots commercial banks and Suxian SN commercial banks own problems have been more in-depth study,and then put forward the marketing Improve the program and the specific safeguard measures;this not only has a new perspective in theory,but also the development of the bank also has practical value.